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Pay yourself a steady wage when your income goes up and down

Some months are brilliant and some are dire, so you pay yourself whatever's left. Get a simple buffer system that gives you the same amount every month.

Updated 17 Oct 2026

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The problem

Feast-and-famine income makes home life stressful. In good months you overspend; in bad months you can't pay the mortgage, even though the year was fine.

The outcome

Some months are brilliant and some are dire, so you pay yourself whatever's left. Get a simple buffer system that gives you the same amount every month.

The prompt · ChatGPT

Help me pay myself a steady amount each month.

My last 12 months: [takings and business costs per month]
What I need at home each month: [amount]
What the business must keep: [tax pot, a buffer for bills]

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A short example

Some months are brilliant and some are dire, so you pay yourself whatever's left. Get a simple buffer system that gives you the same amount every month.

This does not give tax advice. The books stay in the accounting system.

The prompt · Gemini

Help me pay myself a steady amount each month.

My last 12 months: [takings and business costs per month]
What I need at home each month: [amount]
What the business must keep: [tax pot, a buffer for bills]

The full prompt is free – sign up in 10 seconds

Get the full prompt free

No password needed. We email you a sign-in link.

A short example

Some months are brilliant and some are dire, so you pay yourself whatever's left. Get a simple buffer system that gives you the same amount every month.

1

You give your last 12 months of takings and costs.

2

The assistant asks what you need at home each month and what the business must keep.

3

You get a steady monthly pay figure, a buffer target, a monthly routine and a sheet.

What happens

Use Gemini to pay yourself a steady wage when your income goes up and down

Some months are brilliant and some are dire, so you pay yourself whatever's left. Get a simple buffer system that gives you the same amount every month.

Tools

Paste the prompt, fill the blanks, copy the draft.

  • Gemini — required. Drafts from the text you paste. Nothing is sent.